• Support the CRO in maintaining and enhancing the Enterprise Risk Management (ERM) framework.
• Implement and monitor the Risk Appetite Statement (RAS), including limits, tolerances, and escalation procedures.
• Prepare and present regular risk reports to the CRO, Executive Management, and Board Risk Committee.
• Lead and oversee the Solvency II-based internal capital model and monitor capital adequacy (e.g., Solvency II ratio).
• Perform stress testing and scenario analysis, including catastrophe scenarios and macroeconomic shocks.
• Oversee exposure management processes, including monitoring of accumulations and catastrophe risk exposures across portfolios.
• Lead the ORSA process and forward-looking risk assessments.
• Assist in regulatory reporting and communication with the Central Bank and other stakeholders.
• Lead the engagement with rating agencies such as AM Best.
• Develop and maintain risk-related policies and frameworks (e.g., Risk Management Policy, Stress Testing Framework, Business Continuity).
• Collaborate with underwriting, actuarial, finance, and IT teams to integrate risk management into business processes.

Identify, assess, and monitor key risks, including:

• Underwriting risks (premium, reserve, catastrophe);
• Market risks (FX, interest rate, spread);
• Credit risks (counterparty default);
• Operational and liquidity risks.

• Bachelor’s or Master’s degree in Actuarial Science, Risk Management, Finance, Mathematics, or a related field.
• 4+ years of experience in risk management, actuarial activities, audit, or financial management roles.
• Strong understanding of: Risk management and capital modelling concepts; Solvency II framework; IFRS 17 requirements.
• Experience in stress testing, scenario analysis, and risk reporting.
• Familiarity with catastrophe risk and reinsurance structures is an advantage.
• Professional qualifications (e.g., actuarial credentials, FRM) are preferred.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent communication skills and ability to present complex risk topics clearly to senior stakeholders.
• Leadership experience and ability to manage and develop a team.